Relax, we’re here to help.

Professionalism & Trust

Our starting point is you and your ʻbig questionsʼ – and our in-depth financial planning service is designed to help you become financially independent. That means waking up in the morning knowing that you are free to do what you really enjoy doing – and if you want to work again itʼll be because thatʼs your choice.

Lifestyle Financial Planning

At Wishart Wealth Management, we believe that everyone needs to know where they are heading financially.

– What do you actually want to do in life?

– How much do you need to earn, save or sell your business for to achieve what you want?

– How will your expenses change over time?

– How much can you afford to spend or give away?

– How much is enough? What is ‘your number’ – the sum that will provide the life you want without your ever running out of money?

Financial Planning Tools and Software

Our investment in the latest financial planning software helps us to answer these questions for you. Using prudent assumptions we map your financial future in detail and show you options for the goals you set.

Once we both understand your ‘big picture’ we move on to detailed financial planning. We analyse cash flows, create an investment strategy, maximise tax advantages, ensure your family is protected – familiar tasks, but the difference is, now they’re all co-ordinated and geared to a detailed, tailored and totally personal plan, designed for you and you alone.

We call this REAL wealth management. As the old adage goes – it pays to “invest in planning before planning to invest”.

Long-term Financial Planning

Sometimes it’s a matter of fine-tuning your existing arrangements to ensure that you reach your number at the time you want. At other times it’s a case of let’s start from here, with fundamental long-term plans that get you to where you want to be over the longer term. Your situation can have recently changed, or you might find yourself in one of the key moments in life where it pays to get professional financial advice.

Wherever you are in your journey to financial independence, we will work out what’s best for you and show you how to reach your goal. Then we’ll monitor your plans over time, to help give you the best chance to ensure your financial and wider life goals are reached.

Set Up Your Financial Plans

To get started, we recommend contacting Wishart Wealth to have the first conversations about your financial future. Call us on 0131 226 2012 for a no obligation conversation today.

The Financial Conduct Authority does not regulate tax planning and advice.

Wishart Wealth Management sets the standard as far as independent financial advice. Their quality of service and attention to detail are second to none.

Iain Wishart is knowledgeable, professional and client focused. He respects your opinion and provides a service based on personal attention.

Excellent communication skills.

Professor Stewart Brymer (OBE)Solicitor/DirectorBrymer Legal Ltd

We have found the advice and service provided by Iain to be professional, reliable and valuable. We would recommend Wishart Wealth to our friends looking for a financial adviser with a longer term view.

Lindsay GrantElectronics Engineering ManagerST Microelectronics

What I like about Wishart Wealth is that they start from where you want to end up – and work back. Which somehow, makes much more sense of what you’re doing, for how long and why.

It’s a steep, steep learning curve for me personally, but Iain’s straight-talking manner – and patience – helps make the process of getting my finances in order a whole lot less painful.

Lesley DougallCopywriterLesley Dougall Copywriting Ltd

The critical aspect is the personal service. You are it. The contact is with you either in person or by phone and phone contact is often immediate. Not only are you well prepared for our meetings, but hold many of the financial facts and investments in your head. You are keen, competent, efficient and pro-active on our behalf.

You strive for personal improvement and keep bang up to date with what is happening in the wider world of investment. You are interested in us and our family, have a good grasp of personalities and relationship dynamics.

Dr Alexander ReidRetired GP

We find them to be diligent and very professional in their capacity as Financial Advisers. A young company with their eye on the future!! Friendly approach with easy access to discuss issues.

Elizabeth FerryRetired Company DirectorDuctform Ventilation (UK) Ltd

Wishart Wealth Management Ltd have advised us on financial matters over the past 10 years. We are satisfied with all of the staff’s professionalism and speedy responses. Ensuring we comply with our personal and legal obligations. We have recommended their services to friends and colleagues.

Owen Ferry FCMIRetired CEODuctform Ventilation (UK) Ltd

The staff at Wishart Wealth are approachable and pleasant, efficient and always return with an answer to my questions.

Mrs Norma PattisonRetired HotelierPeterhead

Wishart Wealth have been our advisors for personal and business finance affairs for over 20 years. Ian Wishart and his professional team have kept us fully informed and up-to-date about the management of my portfolio and the constantly changing risks and opportunities that we have needed to be aware of over changing times.

They are prepared to spend time listening to our needs and views and provide advice that focuses on our particular requirements, rather than routine advice backed by a standard range of one-size-fits-all products. We fully appreciate their genuine and ongoing concern shown for the wealth, welfare and security of our business and family.

Mr Derek SmithDirectorJander Ltd

Having been a client of Iain’s for more years than I care to remember I have always found him and the team at Wishart Wealth to be the most personable with Iain’s advice tailored to my specific circumstances.

Mrs Margaret MeldrumRetiredKirkcaldy

Am happy with the service you have given in the past two years. It has taken the worry about dealing with the financial matters that my late husband John (a retired veterinarian) always dealt with.

It has always been very easy to get to speak to yourself, or if unavailable someone else on any matter I have had concerns about, and I do appreciate that. I also feel that you try to do your best for me as a client. Keep it up. Thanks.

Wishart Wealth Management Limited is authorised and regulated by the Financial Conduct Authority.

Wishart Wealth Management Ltd is a firm of independent financial advisers authorised and regulated by the Financial Conduct Authority (no. 469955). The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk. Registered in Scotland no. SC 324299. The Financial Conduct Authority does not regulate tax planning and advice. CFPCM and Certified Financial PlannerCM are trade marks owned by Certified Financial Planner Board of Standards Inc. The Institute of Financial Planning is the licensing authority for the Certified Financial PlannerCM marks in the United Kingdom, by agreement with the CFP Board. The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK.